Utilities Employees Credit Union
Earn Points on Everyday Banking. Turn Them into Cash, Gift Cards—or a Lower Loan Rate.
Open an account and start earning today.
How It Works
As a UECU member, you receive reward points for your activities through the VantagePoints™ Reward Program. You can save your points for something big or redeem them in smaller amounts along the way, the choice is yours! Don’t worry about tracking your points, we do it for you – you can find your point totals on your account statements or by logging into Mobile or Online Banking.
- Lower your next loan rate with points—keep more money in your pocket.
- Get cash fast right inside Online/Mobile Banking.
- Choose top gift cards (travel, dining, shopping, streaming) or even donate to nonprofits.
Pick from dozens of premium brands across travel, dining, shopping, entertainment, and more—plus donation options like the American Red Cross and Girls Who Code.
Examples include Amazon.com, Delta Air Lines, Target, Walmart, Best Buy, Hotels.com, Lyft, DoorDash, Disney, Hulu, Nike, REI, and Sephora.
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Save money by using points to lower your UECU loan rate by .25% APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice..
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Get instant value with cash or e-gift cards in just a few clicks.
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Enjoy automatic tracking—your points are visible in Online/Mobile Banking and on statements.
How Members Redeem VantagePoints™
| Redemption Options | Rewards | Points |
|---|---|---|
| UECU Loan Rate Reduction6Rate reduction can be used on a new loan only. Excludes Home Equity Term Loans, Mortgage Loans, Visa Power Card™ and Lines of Credit. Maximum loan principal restricted to $100,000 when redeeming a 10,000 VantagePoints™ rate reduction. | .25% Off APR | 10,000 |
| How to Redeem: Log into Mobile or Online Banking, select Rewards from the menu, and then Redemption Options. Choose the option for Loan Rate Reduction. | ||
| Cash Back | $25 $50 $75 $100 | 5,000 10,000 15,000 20,000 |
| How to Redeem: Log into Mobile or Online Banking, select Rewards from the menu, and then Redemption Options. Choose the option for Cash. | ||
| VantagePoints™ Reward Link7Reward Link Terms of Service: Reward Link is managed by Tango Card, Inc. Reward Links expire on the date stated on the Reward and are valid within the USA only. Reward Links are issued to Reward Recipient without charge for loyalty, award, or promotional purposes, and are not sold to consumers. Your Reward Link balance may be redeemed for national gift cards and can be accessed at any time by clicking the Reward Link URL. Reward can only be redeemed by the Reward Recipient; Reward cannot be transferred, sold, or exchanged. All redemptions are final. Reward Link balances from different programs cannot be combined. No fees apply to Reward Link. Please treat like cash. Please view the full terms of service at https://www.rewardsgenius.com/reward-link-terms-of-service/. Use of the Reward constitutes acceptance of the Reward Link terms of service. Separate terms and conditions apply after Reward Link redemption based on merchant selected for redemption.
Reward Link terms and conditions and participating merchant terms and conditions are to be interpreted in accordance with and incorporated into the VantagePoints™ Program Rules. UECU, Tango Card, Inc., and partners are not responsible for rewards or correspondence lost or delayed due to U.S. Mail or Internet Service Provider delivery. All redemptions are final. Gift Card rewards may be subject to tax liability. Choose from dozens of premium gift cards in the Reward Link catalog | $25 $50 $75 $100 | 3,000 6,000 9,000 12,000 |
Disclosures:
Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
New referred member must open a share savings account for the referring member to qualify for 500 VantagePoints™. The referring member will receive their VantagePoints™ by the end of the month in which the referred member opened their account. This promotion can be terminated at any time without notice. Membership eligibility requirements apply, see credit union for details.
Points earned on Visa purchases – exclusions may apply. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. Visa Power Card™ points are earned at account level not card level. Cardholders earn 2 points for every $1 spent for the first 30 days, after receipt of a new card.
Activation and first purchase points are earned on new cards only, not reissued or replacement cards. They are only offered for the first 90 days after account opening. For joint cardholder accounts, bonus activation and bonus first transaction points apply only to first card to activate or transact.
Based on quarterly average daily balance.
APR = Annual Percentage Rate
Primary member must be 13 years of age or older to participate in the VantagePoints™ Program . Points expire after five years. Loan payments must be current in order to earn points during each period. CLICK HERE for complete program rules.